Home Insurance in Clementon, New Jersey
With a median home value of $223,500, Clementon is 22% lower than the Camden County median.
The typical home in Clementon was built around 1965. About 45% of homes were built before 1960, about 5 points above Camden County's 40%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Clementon is 67% single-family homes, 29% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
53% of owner-occupied homes in Clementon carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Clementon has an owner-occupancy rate of 60% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Clementon - 60% - are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Clementon? FEMA's National Risk Index points to winter weather (Very High) in Camden County and Camden County had 1,560 active NFIP flood policies as of September 2026. See the full Camden County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in New Jersey is $1,551 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $223,500 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Camden County | 1,560 |
| Home insurance premium | $1,551 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)